Abu Dhabi Islamic Bank (loans): verified facts and rating
Licensed since: 1998 Checked 2026-10-31
Score breakdown
77% backed by facts · How we rank
Abu Dhabi Islamic Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Support hours a week84 h168 h168 h · median 168 h
Maximum amount, % of country reference50%125%75% · median 100%
Longest term48 mo48 mo48 mo · median 48 mo
Abu Dhabi Islamic Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1998 Established by the Govt. of Abu Dhabi in 1997; Licensed in 1998 as an Islamic bank by the Central bank | adib.com | 2026-10-31 |
| Licensed by the regulator | Yes Copyrights reserved Abu Dhabi Islamic Bank Public Joint Stock Company licensed by the Central Bank of the UAE. | adib.ae | 2026-10-31 |
| Published rate, % of country reference | Not verified | — | |
| Free early repayment | No Non-waived portion of profit in early/ partial/final settlement (one time): Up to the equivalent of 1% of outstanding Murabaha cost (Max. AED10,000) + VAT (One time) | adib.ae | 2026-10-31 |
| No arrangement fee | No Processing Fee* (Non-Refundable if the financing is canceled): 1% of finance amount (minimum AED 500, maximum AED 2,500) + VAT (One time) | adib.ae | 2026-10-31 |
| Fees or terms published | Yes Key Facts Statement (Personal Finance): Fee & Charges; Banking Services and Tariff Board linked on the product page | adib.ae | 2026-10-31 |
| Complaints procedure | Yes Customer Complaints Service Charter. In the rare and unfortunate event resulting in customer complaints, we will do our best | adib.ae | 2026-10-31 |
| Online application for new customers | Not verified | — | |
| Support hours a week | 168 h Personal Banking Local 600543216 International +971 2 6100600 Timings: 24/7 | adib.com | 2026-10-31 |
| Maximum amount, % of country reference | 75% Up to AED 3 Million for UAE Nationals and AED 2 Million for UAE Residents · max 3000000 AED · index 100 = 4000000 AED (median at launch) | adib.ae | 2026-10-31 |
| Longest term | 48 mo Flexible repayment terms: Up to 48 months | adib.ae | 2026-10-31 |
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